Blue Collar Wealth

Presented by Stone House®

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171. Getting Started With Retirement Planning as a Business Owner: What Is Your “Value Gap”?

For many business owners, the business isn’t just where the paycheck comes from — it’s the single largest piece of the retirement plan. In this episode of Blue Collar Wealth, host Brit Dorman sits down with the CEPA®-certified team at Stone House — Bob Brown, Kurtis Medeiros, Aidan Brown, and Todd Monahan — to break down the “Value Gap”: the distance between what your business could be worth today and what you’ll need it to be worth to retire the way you want. If you’re a few years from stepping away, this conversation walks through what actually drives business value, the mistakes owners make on the way to a sale, and why starting early gives you the most options.

What We Cover in This Episode:

Why your business is often your biggest retirement asset — and a big part of your identity
What the “Value Gap” really is, and how to think about your “number”
What buyers actually look for — and what quietly lowers what they’ll pay
What clean, consistent financials look like, and where owners tend to fall short
Why a business that can run without you is worth more to a buyer
The most common — and most expensive — mistakes owners make before a sale
How much runway you really need: the 3–10 year window
What CEPA® certification and the Exit Planning Institute mean for you
Planning for life — and lifestyle — after the sale
How deal structure can change how much of your lifestyle actually gets funded
The Stone House Value Gap Quiz: a quick, free self-assessment to see where you stand

Who This Episode Is For:

Business owners who think they may sell and retire in the next 3–10 years
Owners who have never put a number on what they’ll need — or what the business would need to be worth
Anyone whose net worth is mostly tied up in a business they’ve spent years, or decades, building

If this conversation raises questions about your own retirement plan, consider taking the free Value Gap Quiz or scheduling a one-on-one planning conversation with a Stone House advisor.

Take the free Value Gap Quiz: StoneHouseINV.com/ValueGap

Request an appointment with a CEPA®-certified advisor: StoneHouseINV.com

Disclosure:

Stone House Investment Management, LLC is an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. Informational only; not investment, tax, or legal advice. All investments involve risk, including possible loss. Scheduling a meeting or attending a seminar does not create an advisory relationship.